sbdcsierra Chapter 1277 Applying for an Interest-Free Loan
Chapter 1277 Applying for an Interest-Free Loan
Chapter 1277 Applying for an Interest-Free Loan
Li Shouquan and his people were easy to talk to. Just give them a heads up in advance and they would respond without any hesitation. Anyway, when their boat was full, they would just come over in time to collect the goods.
They come here once a day to collect the fish, and their cabins are actually not full. They just think that there are many fishing boats, and the seafood collecting boat comes out once a day, so they can fill up the cabins and go back.
At the beginning, they were also concerned about Ye Yaodong, fearing that he would waste fuel on the round trip. They didn't care. The catch during the day was not as much as that at night, but now they could waste less time and not have to weigh the goods every day.
After Ye Yaodong discussed with Li Shouquan, he collected the remaining cargo from their last ship and then hurried back.
More than ten hours have passed since I went out to sea last night. I made two trips back and forth. Now is the perfect time for me to go back and sell the goods and go to bed directly.
Tomorrow he would go to the government to inquire about the garbage land and get definite information on whether it would be approved and how much it would cost.
All his fantasies just now were based on the fact that the land was approved and he could get an interest-free loan.
On the way back, he continued to think about what he had just imagined.
If he really promoted all the boatmen and sent them out to work on their own, he wouldn't have to go to the deep sea at least in the next few years. He could make money by driving a seafood-collecting boat in the fishing grounds.
However, this will definitely not last for a few years. After everyone has worked for one or two years, or two or three years and has made some money, they will probably be like Pei's father and not be happy to let him earn so much.
Even though everyone is on his side now and indignantly condemning Pei's father, when it comes to their turn, they may feel even worse than Pei's father because he has made all the money.
However, he would not do things to the extreme.
If these boatmen also want to build boats but do not have enough funds, he will invest in them. At that time, he can tell them in advance that he will help with the investment in the early stage. If they want to redeem other shares of the fishing boat later, they can also redeem them at the market price.
A time period can also be stipulated, for example, he will invest for three to five years. After three to five years, they can redeem all the shares of the fishing boat at the market price. After redemption, he will no longer participate in the dividends.
This also gives people hope, so that they don't need to provide inadequate support and end up being hated.
In this way, all the villagers in the village benefit from him. The elderly grow kelp at home, the young go to the fishery to make money, and the women and girls work in his workshop killing fish. Except for the children, all the labor force in the village are busy making money and getting rich, with an average income of tens of thousands of yuan per household.
Their village will definitely become a model for the entire province, or even the entire country.
As for those who have invested in the past, it is considered as previous investment. For example, when we joined Fengshouhao, there was no statement that we could withdraw our shares after making enough money.
Moreover, after this incident, if he withdraws his shares, it will seem that he is in the wrong and guilty. Pei's father might be even more proud, thinking that if he can do it himself, the whole ship will belong to them.
A Guang might also think too much, wondering if he took this matter to heart and had any dissatisfaction with them father and son.
No matter what, they are father and son. His father raised him with great difficulty. Even if he blames his father for messing things up and complains about his father for ruining their relationship, he is still his biological father.
If he simply returned the ship and shares to them, it might even ruin their relationship.
The best thing for everyone right now is to just put this matter behind us and let Guang take control of the ship temporarily.
At the same time, A Guang will build a boat that belongs to their family, without any interference from others. The Pei family will keep the money they earn, and the Harvest will be rented out. When the time comes, the three parties will divide the money, and everyone will be happy.
Then, in the next few years, with the help of the boatmen, he would not only gain a higher reputation, but also accumulate a lot of wealth, and then order a few more fishing boats that were as good as the cargo ships and send them to the deep sea.
It was probably the 90s then, the technology of fishing boats was more mature, and there were more fishing boats in the country exploring the deep sea.
No matter how you look at it, it's a win-win for him.
As for the people he trained, he has supported them to run fishing boats, so he doesn't need to worry too much about the shortage of manpower.
When the villagers around heard that anyone who followed him could buy a boat, live in a big house and become rich, many people from neighboring villages wanted to join him.
Besides, isn’t the next generation also growing up? After hearing about his great achievements, the next generation in the village will only admire him and then follow him.
It is impossible for every household to have a boat, as production takes time.
And he certainly would not always drift on the sea. After arranging the fleet and getting things on track, he would definitely hire people to do the fishing and collecting work. He only needed to collect money on the shore, reduce risks, and enjoy life.
It’s perfect when you think about it.
The more Ye Yaodong thought about it, the more feasible it seemed to him. This interest-free loan was indeed an opportunity to solve internal problems, increase his wealth, recruit boatmen, and enhance his prestige in the village.
It can also lay the foundation for his future deep-sea fleet.
After all, if you pay for it yourself, it won't be as good as the one the government pays for you. If you pay for it yourself, you have to wait slowly, but if the government pays for it, you don't have to hesitate at all.
Seeing that they were about to reach the shore, he quickly collected his thoughts and put the batch of fish he brought back on the dock for sale. When they were almost sold out, he called a large truck to take the dried shrimps to the processing plant.
Although these fresh shrimps are not as valuable as hairtail, they are in large quantities, and there are enough to fill eight boats.
In addition to shrimps, these eight boats also caught some other fish, which were all sold to him. Just from the two round trips today, he earned twice as much as the previous trip.
The total sales today are about over 28000. You have to know that one Harvest boat was missing today, and those shrimp fishing boats only catch a day's catch.
The three boats on his side were sold for about 12000 yuan, and he took % of it, which is still to yuan. In addition, the Dongsheng was his, and he also took % of the Shunfeng, so he could earn about yuan.
He can get half of Shopee's commission, which is about 8000 yuan. Just today, he earned 1 to yuan.
A few days ago, he returned 2 yuan to A Guang, and in the following days he saved more than 3 yuan. Now he has a lot of money on hand, and his own money alone adds up to about yuan.
A Guang still owes 15000 yuan. It would be fine to pay him back directly now, but he is still thinking about buying a house and land, so the money will be put aside for now. He will pay it back if he has any money left after he finishes his business. Anyway, he has already owed it.
When the next batch of fishing boats come back, I'll settle the accounts of those boats, and also settle the accounts of the dozen or so trawlers at the end of the month. This will be more than enough to pay back the 15000 to Guang.
After Ye Yaodong counted the savings he had on hand and had a good sleep to rest fully, he went to find A Guang, and the two of them went to the government together.
Originally, the two of them had been looking around and asking around, and it was they who decided together which piece of land they each wanted.
It took three or four days from the time they proposed the plan to the time they came again. A plan had already been prepared, and when he went over to ask, someone immediately received him.
Moreover, they each had a price for the land they wanted. His garbage dump had been measured and it was about three acres and two acres. Because of his status as vice president of the Fisheries Association, he was given a preferential price of 2 yuan.
A Guang had his eyes on a piece of vacant land near the sea. It was far from the pier and was on the edge of the fishing port, but close to the shore so the locals were worried about typhoons and waves, and there were no residents living there. It was only two acres, but it cost 2 yuan.
After the two compared themselves, A Guang felt a little unhappy because the gap was too big.
He argued with reason, and the reason given by the government was simply that the land was different and that the land there was full of domestic waste and dock garbage, so it would be cheaper.
The attitude is to buy it or not.
When Ye Yaodong saw the price, he remembered that his 13 acres of land in the city only cost 1 yuan last year, so he wanted to secretly pat his thigh and get a great bargain.
Although all ports are different, and the village on the outskirts of the city is already on the edge of the suburbs, there is a market there.
This place is next to the fishing port, but the gap is really big, 10 times.
There are so many outsiders and fishing boats here. It's probably well-known that those boat captains are rich, right?
A Guang also thought of the land that Ye Yaodong bought in the city. Compared with the land, the price was really cheap. Thinking of this, he was even more reluctant to spend the 2 yuan.
In order to be able to borrow 5 yuan, he has to spend 2 yuan first, and he is a little reluctant. He originally thought of getting something for nothing, but now the gap is too big.
If you don't spend much, then it's just spent.
He began to have the urge to back out.
But Ye Yaodong immediately agreed. According to his plan, this land must be taken.
Besides, this price is really a bargain. After 10 years, it will increase hundreds of times. It is more worthwhile than any investment.
The land near the port is worth it, no matter how hard you think. What's more, this is a fishery. It's worth buying this land for 10 yuan now, not to mention that it only costs 2 yuan.
Moreover, he can get another 10 yuan from this land. No one will want to occupy this garbage dump, right?
value!
When Ye Yaodong asked for it, A Guang quickly stopped him.
"Why don't you consider it again? This is too expensive. You bought 13 acres of land before. How much was that?"
"They can't be compared. Different places have different values. Moreover, this is a fishing port. A large population naturally means a high value. More and more people will rely on this fishing port for their livelihood. At that time, the local land will become more and more valuable."
"This is a huge difference from before. I have to spend 2 yuan before I do anything. What if I can't get a loan?"
Ye Yaodong thought that since things had come to this, he had to persuade her no matter what.
"Whether you can get a loan or not, it's worth it to be able to buy the land. When living conditions improve in the future, people will definitely have higher aspirations, and the land will naturally become more valuable."
"I don't know what else to say, but it's worth it to be able to buy a piece of land for 2 yuan and then get a loan."
"That interest-free loan is like the government giving us money, and Shen Ming'e also made it clear that she would arrange a fishing boat for us through the back door. There was no reason for me to hesitate."
"My 2 yuan won't become much if I keep it in my hand, but if I use it this way, I can multiply it by who knows how much."
"If you trust me and listen to me, then buy it. But I have to be frank with you. If you buy the land and you are not in the area, it will be easy for it to be occupied. Don't blame me when the time comes."
"If someone buys your current piece of land, you'd better spread the word that it has been mortgaged to the government, so that people won't dare to move it."
"I bought a junkyard, so I don't have to worry too much."
After Ye Yaodong finished speaking, he let him think about it alone, and then he followed others to complete the formalities. After completing the formalities, he had to take the money home to pay it, and then go to register.
After hearing this, A Guang did not make a decision, but just said he would think about it.
Ye Yaodong didn't care about him. 2 yuan was not a small amount of money. He had to think it over carefully before making a decision.
He ran back and forth several times that day, and after completing the land registration procedures, he received a stamped form with the government's seal and the Land Bureau's seal on it.
These are very crude now, and he will exchange them for notebooks after they are improved.
This piece of paper is also of utmost importance. He folded it again and again and locked it in the password box. He would take it out when Shen Ming'e needed it.
The house issue has not been settled yet, but he is not worried. If he can't buy it, then he can't buy it. Anyway, he already has the land. He will go to Shen Ming'e to ask about it the next day.
Since he hadn't gone out to sea in the past two days, he wanted to seize the time and get this matter done. The sooner it was done, the sooner the ship could be booked, and the goods could be delivered earlier.
When he went to see Shen Ming'e the next day, A Guang was no longer with him because he was still struggling over whether to buy the land.
Intellectually, he knew that Ye Yaodong would not lie to him, but that sentence still exceeded his expectations. 2 was not a small amount, so he had to think about it.
Ye Yaodong didn't pay any attention to him and went to do his own thing.
Shen Ming'e was also very happy to see him coming.
"If you don't come, I'll go look for you tomorrow. It's been a few days. How are your house and land?"
"I spent 2 yuan to buy a piece of land, but there is no news about the house yet, so I came here to ask first. Is it okay to clean up the land?"
"It should be no problem. You are the vice president of the Fisheries Association of the two cities. You have an identity recognized by the Ocean Bureau, and your ID also has the seal of the Ocean Bureau. You are also an active member of the party. You will be given preferential treatment. I have asked, and it is okay if you don't have land. If you have land, I think you can get a larger loan."
Ye Yaodong's eyes lit up, "Can I borrow more?"
"Yes, I asked for you before. Didn't you ask me to ask if you could guarantee your other friends as well? The leader said no, because all of them are from other places and they won't approve the loan."
"But if you want to borrow more, you can get preferential treatment because you have proof of identity and proof of assets, such as the land purchase contract and the fishing boat purchase contract, which are all proof of assets."
Ye Yaodong was looking forward to it. "Then how much can you lend me at most?"
"20 is the maximum. If you have a factory supported by the government, you can increase the amount even more."
"Damn, I have this too!" he said immediately in excitement.
Now it was Shen Ming'e's turn to widen her eyes. "Huh?"
She just said it casually.
“You still have a government-supported factory?”
"I own a lighter factory in Vancouver in partnership with a friend, and I also have a 13-acre factory in my hometown."
"13 acres of land!" Shen Ming'e raised her voice, alarming everyone in the bank.
She immediately smiled awkwardly at the others and waved her hand to indicate that she was fine.
"Is it true? You can't forge this. The bank will need to verify the certificate. You need to have an actual stamp to prove it."
Ye Yaodong frowned in silence, "If I need a stamped certificate, I really can't get it now, and I can't fly back."
If he asks an agent to do it, it probably won't be that easy. His 13 acres of land can only be regarded as a workshop. He doesn't even dare to expand it. What he just said was just boasting.
I don’t know if Fang Jingfu’s idea will work.
Shen Ming'e looked at him with sparkling eyes, "How come you are so capable? Let me show you my abilities. My brothers are all useless."
"Hehe... that can't be said."
Ye Yaodong did not make any pretentious rebuttal. His mind was focused on what he would do after getting the 20 yuan.
Spending 10 yuan to order a 40-meter-long fresh fish collection boat should be more than enough.
The remaining 10 yuan could be used to invest in the boatmen to book a boat, or he could simply book one himself.
We can order 5 more ships like the Dongsheng, and then pick out 20 honest and hardworking workers who are of a certain age from the 5 or so workers we have now, and give them 10% of the shares to become ship captains.
As for other boatmen who wanted to start their own fishing boats at the beginning of the year, those who had ideas could go ahead and do it. He would then persuade A Qing to get money from his family to support them in buying shares, just like the plan he had thought of on the boat when he came back the night before.
Anyway, the family has hundreds of thousands of dollars, and he can earn at least tens or hundreds of thousands in the next two months.
So much money must be put to good use.
He had no better idea than buying a boat, and now was not the best time to buy a house or land.
He will buy a little when he encounters an opportunity, but that only works if there is an opportunity. The general market situation does not support him using all his money to buy.
Buying a ship has no impact on his business and it not only maintains its value but also creates more value, which will allow him to make several times more money in the short term.
He likes the feeling of making money steadily and steadily. If he buys a large amount of land, it will be useless if he cannot keep it.
And because he only supports buying boats as big as the Dongsheng, he doesn't support small trawlers, as he has enough of them. This way, there will be fewer boatmen who will buy boats on their own next year.
He can also take over the manpower and guide the new ones.
After all, that boat costs 20,000 or 30,000 yuan. Even if he invests half of the money, they will have to find brothers and relatives to form a partnership.
However, the speed at which the Dongsheng makes money is not comparable to that of ordinary fishing boats. Everyone is here together, and they all know how much the boat can sell for every day.
I will also compare in my mind how big a ship is cost-effective to buy, and large ships are not easily eliminated.
Then he took the money to book a fishing boat in Zhou City. The workers would definitely have to go back to discuss with their families at the end of the year, and by then they would definitely have to make reservations in the county or city.
If the quantity is not large, we can deliver them in the second half of the year and they will not be impossible to produce.
Or maybe his cousins who rented the boat might be able to come up with more money. After all, they get half of the profit, while the boatmen only have a fixed salary, and the boat only costs 20,000 or 30,000 yuan.
His cousins have more hope, so his investment can be considered as helping his relatives.
He thought this was the best option, as he could fully utilize the funds from the interest-free loan and create the greatest profit for himself.
After a few years, when the fishing boats he invested in were redeemed one after another, he had made enough money and was able to book another 40-meter boat to form a team.
At that time, he will no longer have any financial pressure, and the shipbuilding technology will be taken to a higher level.
It is still a bit stressful for him to pay for building a 40-meter ship now. He can only build a few, and it is not cost-effective if it is not enough to form a fleet.
It would be better to just receive the fresh goods from the ship here and make more money.
Ye Yaodong lowered his head and thought for a long time. Seeing that he was thinking about something, Shen Ming'e did not say anything and waited quietly for him to finish thinking.
Seeing that he seemed to be immersed in thoughts and could not come back to his senses for a while, she went to get him a contract for an interest-free loan and helped him write the application first.
Anyway, he is definitely going to take out a loan, and his boss has no problem with him getting the loan. Just write the contract now and ask him to bring the certificate later. Once the boss has reviewed it and there is no problem, the loan can be granted.
Ye Yaodong sorted out the thoughts in his mind and after he had a general idea of what was going on, he wanted to talk to Shen Ming'e about borrowing 20 yuan first.
After all, this is the current idea. Who knows if it will change after a while, or if there will be a better solution? Plans cannot keep up with changes.
Anyway, I can get a 20 yuan interest-free loan first, so I’ll take it first.
Maybe this loan will still be available next year?
Or when he returns home, maybe there will be an interest-free loan available there?
The policies promulgated by this country should be unified across the country, right?
Then when he returns home, he can apply for an interest-free loan from his family again. It would be a waste not to miss this benefit. As long as he can pay it back, it will be fine.
You don't have to focus on taking advantage of this side. It might be easier to get an interest-free loan at home.
When he turned around to say something, she was already writing the application form.
“Hey, has it been written?”
"Yes, I won't bother you since you're thinking about something. Anyway, this is definitely possible for you, and you will be able to get a loan, so I'll write it down for you first. Please sign it first, and I'll make copies of your land purchase certificate, fishing boat certificate, and ID card later, and I'll submit them for review."
"Okay, thank you very much."
He was quite considerate, knowing that he was thinking about something so he didn't disturb him. However, he didn't praise him out loud in case people thought he was teasing him.
He is so handsome, what if I really have some feelings for him?
Ye Yaodong took a look at the application form she pushed over and read it carefully from beginning to end. Fortunately, he was not illiterate, otherwise it would have been a joke.
After confirming everything was OK, he signed his name and put his fingerprint on it.
"Is that all right? I'll go back and get some proof documents to copy later."
"Yes, you can bring them over later and make copies. I also need your village ID and the certificates from the two provincial fishery associations so that I can submit them together. After they are approved, I will go to your house to get your signature, and then we can wait for the loan to be released."
"understood."
Anyway, anything that can add value to his image or prove his identity, just take it and make a copy.
"By the way, why are you here alone today? Where's your friend? Does he not want to lend money anymore?"
"Didn't he think that he could just apply at the beginning? Now, because he is from another place, he needs proof of assets and mortgage with land and property. He has to invest a lot of money first, so he is a little hesitant."
"That can't be helped. He is from another place. He doesn't have as many identities as you do, nor does he have as many assets as you do. Your cargo ship alone is worth more than 10 yuan, which is the capital you can borrow 20 yuan with."
"Well, let him think about it anyway."
"What a shame. I think this is a good thing. Your thinking is too backward. It is very normal to get loans abroad, and they all have interest. We don't have to pay interest now. It is interest-free. You are just thinking too much. It would be great if it could be practical. It will definitely be common in the future."
"Yes, I think so too. It's good that they can get benefits. Their thinking is too backward. If they miss this opportunity, they may never see it again."
"Of course, it's impossible to be interest-free forever, but few people listen to me. They all think that I'm young and what I say is unacceptable. They are all too feudal."
Ye Yaodong laughed.
Most of the older generation are uneducated and have backward ideas. How can the new generation of young people have the confidence to take out loans?
News travels slowly nowadays and is not as well-informed.
Otherwise, why is it that only a small number of smart people can soar to success with this interest-free loan?
After all, Shen Ming'e studied abroad, so it's normal for her to have open-minded ideas.
She smiled and said to him, "Okay, go home and get the documents to copy. I'll do it for you today. Submit it."
"Okay, then you wait here for a while. I can ride a bike very fast."
At first, he didn't know if it could be done immediately, so he didn't bring it. Anyway, it wouldn't be a hassle to go back and forth.
He ran back and forth, and by the time he got off work at noon, he had just completed all the application matters, which was considered efficient.
I bought the land yesterday and applied for the interest-free loan today. Next, I have to sign and confirm after the application is approved, and then wait for the loan to be released.
As he hummed a song on his way home, everyone could see that he was in a good mood.
"Brother Dong, you are in such a good mood, did you find some money?"
"You know all this." Ye Yaodong said with a smile.
Isn’t that money? He picked up 20 yuan at once, which is equivalent to one 40-meter fishing boat and four 4-meter fishing boats!
So cool!
Taking advantage of his free time in the afternoon, he went to the shipyard after lunch to book a fishing boat and asked Captain Shen to arrange the earliest delivery date in advance.
Then, once the bank releases the loan, we will immediately transfer the money to the shipyard's public account.
I don’t know if there is a corporate account, which a state-owned shipyard should have?
He didn't have this experience. At the shipyard in the county near his home, people always carried cash with them.
You can go and ask him in the afternoon. This will also save him from having to hold the money in his hands, which is too risky.
Now the largest denomination is still 10 yuan. The 1988-yuan note has not yet been issued. It will not be officially issued until , and then it will be widely circulated in the market.
If this is a big unity of 20, he doesn't even know if he can put all the money in a safe.
The original 3 yuan in the house was packed into a whole box, including Great Unity banknotes and a lot of Mao Zedong bills.
Yesterday I counted the 2 yuan for the Great Unity Land Purchase and took out all the whole bills directly. Now there are mostly small amounts, and it looks like a big box.
He estimated that he would have to carry the money in a sack back home during the Chinese New Year.
"Did you really find some money? Then you have to have an extra meal?"
"You usually eat less?"
"The meaning of windfall is different. People say that if you find money, you should spend it immediately so that you can continue to find it in the future."
"That makes sense. Fortunately, I can spend it immediately after I pick it up."
"Haha, you were joking."
"time to eat!"
It's early today. Surprising or not?